21世纪经济报道·2025-07-22 11:29Core Viewpoint - The article highlights the emergence of "professional debt" scams, where individuals are lured into taking loans under false pretenses, leading to significant debt burdens without any real financial gain [1][10]. Group 1: Overview of "Professional Debt" Scams - The Financial Regulatory Bureau issued a risk warning regarding the rise of "professional debt" scams that promise quick wealth and no repayment obligations [1]. - Scammers use illegal loan intermediaries to fabricate employment and asset documentation, presenting unqualified individuals as "high-quality clients" to banks [3][10]. Group 2: Case Study of a Victim - A 53-year-old villager named Huang fell victim to these scams, accumulating a debt of 482,000 yuan after being misled by loan intermediaries [3][11]. - Huang was targeted due to his lack of credit history, making him an easy mark for fraudulent loan packaging [3][10]. Group 3: Loan Details and Fraudulent Practices - Huang's first loan was a 340,000 yuan mortgage, where the intermediary inflated the property price and created false employment and income documents [5][9]. - Subsequent loans included a 35,000 yuan and a 60,000 yuan renovation loan, with the intermediaries continuing to exploit Huang's status as a credit "white household" [8][9]. Group 4: Financial Implications for Victims - Victims often receive only a small fraction of the loan amount after intermediaries take substantial commissions, which can range from 15% to 25% [10]. - Huang's case illustrates that out of the 340,000 yuan loan, nearly 150,000 yuan went to a property speculator, and around 70,000 yuan was taken as intermediary fees, leaving him with very little [10]. Group 5: The Role of Bank Employees - The article reveals a collusion between loan intermediaries and bank employees, where some bank staff actively assist in the fraudulent loan processes [13][14]. - Issues in the banks' pre-loan verification and post-loan risk management processes have been highlighted, allowing these scams to proliferate [13][14]. Group 6: Regulatory Concerns - The Financial Regulatory Bureau warns that becoming a "professional debtor" leads to high debt burdens, damaged credit scores, and potential legal repercussions for those involved in the fraud [11][12].